Pay Monthly with Mastercard financing, approval and a credit check apply, and interest may apply on longer plans. No hidden booking fees on Laters.
Yes. You can use Mastercard to book flights and buy plane tickets for any airline, on any route, in any fare class, when you book through Laters.com. There is no payment surcharge and no booking fee for choosing Mastercard at checkout. Because the flexibility comes from how Laters.com processes payment, not from the airline itself, coverage does not depend on which carriers accept Mastercard directly.
Plenty of airlines don't offer Mastercard financing directly at their own checkout: Southwest and JetBlue in the US, and easyJet, Ryanair and Norwegian across the UK, Ireland and the Nordics. Book any of them through Laters.com instead and Mastercard becomes usable regardless. At checkout, you select Mastercard, choose a plan that fits the budget, and the e-ticket is issued once payment is confirmed.
Mastercard's Pay Monthly financing plan is currently available where Mastercard checkout is offered, from a long-haul business-class seat to a short domestic hop. Approval isn't guaranteed: a credit check applies, some plans carry interest, and you need to be 18 or over to apply. If you're comparing options, PayID is also accepted at our checkout.
With Mastercard, you can spread a fare into monthly payments rather than paying the whole amount at booking. This is a credit arrangement: some plans carry interest, and Mastercard runs a credit check before approving you. Terms and how much you can split depend on the card and the issuer.
$500
Pay Monthly costs you nothing extra only if your card's promotional terms say so; otherwise interest applies from the start, since this is a standard credit purchase rather than a fee-free plan. A credit check is part of getting or using the card, and your issuer sets the actual rate.
You repay Mastercard (or the bank behind your card) according to your monthly billing cycle, and the airline issues your ticket in full at booking regardless of how many payments you choose.
Apenas ilustrativo. Os valores acima são calculados a partir da tarifa que definiu: divisão simples para os planos sem juros, e a taxa ilustrativa própria do plano durante o período indicado para financiamento mensal. Não constituem uma oferta, uma cotação ou uma previsão do que lhe será oferecido. Laters.com não é o credor e não participa na decisão: quais planos aparecem, os valores das prestações, quaisquer juros e taxas, e se é elegível são determinados unicamente pelo fornecedor, e dependem de uma avaliação de crédito ou elegibilidade, do seu país e do seu carrinho. A única forma de ver os seus planos reais é escolher este método de pagamento na finalização da compra, altura em que o fornecedor, não Laters.com, aprova ou recusa a compra. Todos os planos, taxas, comissões e termos são apenas estimativas e estão sujeitos a aprovação e a alterações.
Mastercard checkout on Laters.com currently centers on the United States, with more markets expected to open up as coverage grows. That is narrower than Mastercard's own reach as a card network, which spans a far wider stretch of the globe, so think of this grid as the slice of that footprint we can currently confirm for flight bookings, not the whole business. Where we do list a market, the terms shown come from Mastercard's own published country terms rather than our estimate of them. We have no currency examples to draw on yet, since settlement details are not published for the market we cover, so fares there are simply charged the way your card normally handles them. Este guia lista financiamento em 1 mercado.
Planos publicados por Mastercard para Estados Unidos (US), verificados .
The short-term plan familiar to many cardholders elsewhere in the world does not appear under any label in the market we cover here. What is on offer instead is a monthly financing plan, which spreads the fare across fixed payments over time. Financing plans of this kind typically carry interest, and approval is never guaranteed since a credit check applies before checkout is confirmed. Limits, rates and exact repayment terms differ by country and are shown by Mastercard at checkout, so it is worth reading those details there before you commit to a plan.
Most airlines don't offer Mastercard financing at their own checkout, and the ones that do set their own rules for it. On Laters.com, Mastercard sits inside one checkout that covers every airline we sell, so the plan you get does not depend on who operates the flight.
Whichever airline operates the flight and whichever plan Mastercard approves, Laters.com is who you booked with, and remains the merchant for that ticket. That means one party to call if the flight changes or a refund is owed, not the airline and the card issuer separately. Approval and any financing costs still depend on Mastercard's own credit check and terms.
| O que obtém | Laters.com | Reserve directamente com a companhia aérea |
|---|---|---|
| Mastercard integrado no checkout em todas as 650+ companhias aéreas | ✓ | Muito poucos |
| Os mesmos planos de Mastercard, qualquer que seja a companhia aérea em que voa | ✓ | ✕ |
| Compare todas as companhias aéreas numa única pesquisa e depois pague com Mastercard | ✓ | ✕ |
| Outros fornecedores de compre agora, pague depois, stablecoins e 100+ outras formas de pagamento no mesmo checkout | ✓ | ✕ |
| Sem sobretaxa e sem taxa de reserva ao pagar com Mastercard | ✓ | Varia |
A nossa classificação editorial, de um máximo de 10, sobre o funcionamento de um fornecedor de compre agora, pague depois quando está a reservar um voo.
Todos os fornecedores na nossa caixa de pagamento são classificados nas mesmas 4 medidas, para que possa compará-los de forma equivalente antes de escolher como pagar. Ver todas as classificações dos fornecedores de voar agora, pagar depois →
This score is based on Mastercard's published plan terms, eligibility criteria for flight bookings, and country availability data, alongside independent research by Laters.com. No brand pays to be rated; the assessment is editorial and applies the same criteria to every provider. Última revisão setembro de 2026.
Laters.com é o comerciante para todas as reservas nesta página: vendemos o bilhete e auferimos receita da tarifa, que é a mesma independentemente do método de pagamento que escolher. Nenhum fornecedor de pagamento nos paga pela colocação, classificação ou pela sua Pontuação de Pagamento, e esta página não contém ligações de afiliação.
Mastercard on Laters.com comes down to one plan: Pay Monthly, a financing product, live in the US. There's no pay-in-4 or deferred option here, just a single instalment route with a credit check behind it. Fine if a monthly schedule suits you, thin if you wanted a choice.
4 medidas, classificadas da mesma forma para todos os fornecedores na nossa caixa de pagamento.
Repayment Flexibility7/10
Just one plan, Pay Monthly, a multi-month financing product. It spans a longer term than a deferred pay-in-4 would, but with only one shape on offer, there's no shorter-term or deferred alternative to choose instead.
Interest Rate7/10
Pay Monthly is a financing plan, and financing plans of this kind typically carry an APR rather than running at 0%. No pay-in-4 style 0% short plan is offered here to offset that cost.
Eligibility7/10
Availability is confirmed for one market, the US, with Pay Monthly the only plan listed there. That single-country, single-plan record leaves no evidence of broader reach beyond this one listing.
Approval Process7/10
Financing plans like Pay Monthly generally involve a credit check before approval, and Mastercard's own site is the place to confirm whether that's a soft or hard check for this plan.
This table prices the same fare on Mastercard's Pay Monthly plan. The fare itself doesn't change for paying this way, since Laters.com adds no booking fee or surcharge for choosing it. Availability and rates shown here are for the US market.
| Plano | A pagar hoje | Depois | Paga no total | Custo do crédito |
|---|---|---|---|---|
| Pay Monthly | Não especificado | Não especificado | $1,000.00 | Nada |
This worked example is an illustration, not a quote. What you're actually offered depends on your market and on approval at checkout. Every provider on Laters.com is costed on the same rows here, so you can compare Mastercard against other options fairly.
Here's the thing about the Laters.com checkout: Mastercard and PayID both sit right there, so this isn't a question of hunting down some other site to book with. It's a straight choice between two ways to pay for the same ticket. Mastercard publishes a single Pay Monthly financing plan, built for spreading the fare over time on a card most travellers already carry, while compare PayID for flights on Laters.com runs on a different mechanic entirely. If Mastercard isn't available where you are, these are the other providers that can spread the cost of your flight.
PayID is built around splitting a purchase into smaller payments rather than card-based monthly financing, and approval along with any applicable credit check still applies before you book.
Coverage varies by market, so check availability on the provider's site before booking.
Klarna offers several ways to delay or split a fare, and while some plans run without interest, others carry an APR and a credit check, so approval is never guaranteed.
Coverage varies by market, so check availability on the provider's site before booking.
Afterpay splits the ticket price into smaller payments on a set schedule, and missing one can trigger a fee, with approval decided at checkout rather than guaranteed upfront.
Coverage varies by market, so check availability on the provider's site before booking.
Affirm leans toward financing a flight over several months rather than a short pay-in-4 split, and plans can carry an APR that depends on a credit check at checkout.
Coverage varies by market, so check availability on the provider's site before booking.
Zip lets you break a fare into scheduled payments, though approval isn't automatic and a missed payment can bring fees or affect your account standing.
Coverage varies by market, so check availability on the provider's site before booking.
Tabby splits a booking into instalments at checkout, with eligibility and any credit check determined by the provider rather than promised in advance.
Coverage varies by market, so check availability on the provider's site before booking.
Tudo o que precisa de saber sobre o pagamento de voos com Mastercard em Laters.com.
Yes. On Laters.com, Mastercard checkout can offer the Pay Monthly financing plan, which spreads the fare into scheduled repayments rather than one upfront charge. Pay Monthly is a credit product, so a credit check applies and approval is not guaranteed. Which plan you see depends on the country you book from, so confirm current options at checkout on Laters.com.
All of them on Laters.com. Mastercard is a payment method built into our checkout, not a setting individual airlines switch on, so every airline we sell can be booked this way. That includes the Pay Monthly financing plan where it is offered in your country. A credit check applies to financing, so approval and terms depend on your own credit standing rather than the airline chosen.
No. Laters.com adds no payment surcharge and no booking fee when you check out with Mastercard, so the fare shown is the same as paying by card outright. If you choose the Pay Monthly financing plan instead of paying in full, that plan can carry interest and missing a scheduled payment can trigger a late fee. The extra cost, if any, comes from the credit plan you pick, not from using Mastercard itself.
Your e-ticket is issued once your payment or your Pay Monthly plan is approved and the booking is confirmed with the airline. Because financing involves a credit check, approval is not automatic, and ticketing follows that decision rather than happening the moment you submit the form. If the plan is declined, no ticket is issued until you choose another payment method. Check your booking confirmation email from Laters.com for the exact status.
The Pay Monthly financing plan involves a credit check as part of the approval process, since it is a lending product rather than a simple card payment. This means your application can affect your credit file and approval is never guaranteed. Because it is a financing plan, treat it as a credit commitment with real consequences for missed payments, not a routine transaction. Laters.com displays whether a credit check applies before you confirm your plan choice.
Missing a scheduled payment on the Pay Monthly financing plan can result in a late fee being added to your balance. Because this is a credit product, missed payments may also be reported to credit reference agencies, which can affect your credit standing well beyond the cost of the flight. This risk applies regardless of how the fare was originally priced. Always check the repayment schedule on Laters.com before booking and contact the provider promptly if you expect to miss a due date.
The supplied availability data confirms the US, where the Pay Monthly financing plan is offered through Mastercard checkout. Country availability determines which plans appear, so a traveller booking from outside a listed market may not see the same options. Because this is a credit product, eligibility also depends on individual approval, not just location. Confirm current country coverage and plan availability on Laters.com before you start a booking.
The Pay Monthly financing plan is built for spreading a larger fare over a longer term rather than settling it in one go, which suits long-haul or premium bookings where the total cost is higher. Because it is a financing product, it can carry interest and involves a credit check before approval. Spreading payments does not reduce the total fare, and the deferred balance is still owed on schedule. Check the specific term length and any interest detail for Pay Monthly on Laters.com before committing to a long-haul booking.
It can. The Pay Monthly financing plan involves a credit check, and how your application and repayment behaviour affect your score depends on the provider's reporting practices and your existing credit file. Paying on schedule is unlikely to cause harm, but a missed payment may be reported to credit reference agencies and can lower your credit standing. Because this is a lending product and not a simple card charge, treat repayments with the same seriousness as any other credit commitment. Check current details on Laters.com and with Mastercard directly.
When a booking paid through the Pay Monthly financing plan is cancelled or refunded, the refund is applied against your outstanding balance with the credit provider rather than simply being handed back as cash if repayments are still due. Because this is a financing arrangement, any interest already accrued or fees charged before the refund may not automatically disappear. Airline refund rules and fare conditions still apply on top of this. Confirm the exact refund handling for your plan through Laters.com and the provider before assuming a full reversal.
Yes. The Pay Monthly financing plan applies to the total fare you are charged rather than to the specific route or number of stops, so international and multi-stop itineraries are treated the same as a single-leg booking. What determines which plans you see is the country you are booking from on Laters.com, not the destinations or layovers in your itinerary. A credit check still applies to financing regardless of route complexity. Confirm plan availability for your booking country before you start checkout.
Not necessarily. The Pay Monthly financing plan is a credit product, and financing plans of this kind can carry interest as part of how the cost is structured, so staying current on payments does not automatically mean the flight costs nothing beyond the fare. A credit check applies before approval, and missing a payment adds a late fee on top of whatever interest already applies. The real cost depends on the specific terms attached to your approved plan. Review the interest and fee details shown at checkout on Laters.com before you commit.
Airline loyalty programmes generally credit miles and tier points based on the fare and ticket booked, not on the payment method used to purchase it, so a Mastercard-funded booking is typically treated the same as any other. This is standard airline practice rather than something Laters.com controls. Because the Pay Monthly financing plan is a separate credit arrangement from your airline loyalty account, choosing it should not itself block mileage accrual. Check your specific airline's fare rules and loyalty terms to confirm, since some fare classes carry their own restrictions.
Yes. The Pay Monthly financing plan applies to the total fare charged, so a premium cabin or business class ticket can be financed the same way as an economy fare, provided the plan is available in your booking country. Because premium fares are higher, the repayment amounts and total interest on a financing plan will scale up accordingly, and approval still depends on a credit check. Laters.com shows the plan options available for your specific fare and country at checkout. Review the full repayment schedule before booking a premium fare this way.
Mastercard is one of the most recognisable names in global payments, used by cardholders and accepted by merchants across most of the world's markets. What began as a way to pay for everyday purchases has grown into a network that also lets people finance bigger ones over time, and flights are one of them: book through Mastercard's installment option and it covers every airline we sell, not a shortlist.
The company traces back to 1966, when a group of California banks formed what was then called the Interbank Card Association in the United States; it later traded as Master Charge before adopting the Mastercard name in 1979. Today it operates as a publicly listed payments company, working through licensed bank and lending partners rather than lending directly in every market, and the exact structure varies by country. Its growth hasn't been without friction: Mastercard has faced antitrust scrutiny and interchange-fee litigation in several markets over the decades, even as it expanded into newer products like installment financing. Borrow only what you can comfortably repay on the schedule you're given, and check Mastercard's own site for the terms that apply where you live.
Booking with Mastercard on Laters.com starts the way any search does: pick your route and dates, compare fares, and choose Mastercard as your payment method at checkout. From there you're shown the plan available on your account, which for Mastercard means Pay Monthly, a financing option; because it ties to a card many travellers already carry, most can select it at checkout without applying for something new. Plans like this can carry interest and are subject to a credit check and Mastercard's approval, so read the terms shown before you confirm. Once payment is approved, your e-ticket is issued and sent to your inbox.
Laters.com is the merchant on this booking: we sell the ticket and issue it once your payment clears. Mastercard is the payment method and the credit provider behind the plan, not the seller of the flight. Paying this way costs the same as paying by card, since there is no payment surcharge and no separate booking fee for choosing Mastercard at checkout. You do not need to already hold a card to use this option; Mastercard settles the fare with the airline on your behalf, and your repayments go to Mastercard directly, not to Laters.com.
Laters.com aufere receita da tarifa como comerciante, a mesma independentemente do método de pagamento que escolher; nenhum fornecedor de pagamento paga pela colocação nesta página.
Uma reserva de voo e um plano de pagamento seguem calendários diferentes. O nosso guia explica as questões práticas a considerar antes de dividir uma tarifa.
Pedir emprestado de forma responsável significa apenas comprometer-se com prestações que pode genuinamente pagar. Os pagamentos em falta podem resultar em taxas de atraso, podem ser comunicados a agências de referência de crédito e podem afetar a sua situação de crédito e a sua capacidade de pedir emprestado no futuro. Laters.com é o novo nome para Fly Fairly; nada muda na sua reserva ou suporte. Última revisão pela equipa editorial da Laters.com em setembro de 2026.
Avaliações reais de clientes reais que reservaram voos com Laters.com.
Ofertas de voos Mastercard, promoções de Compre Agora, Pague Depois e vendas relâmpago, diretamente na sua caixa de entrada.
